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Sep
07
September Commentary: A True Story
If you have been a part of the Teplitz Financial Group family for a while, you are probably used to getting an email around this time of year talking about how September is Life Insurance Awareness Month. You probably have a chuckle and say to yourself, "Oh, Ari...that is not a thing." Well, in fact, it is a thing (visit www.lifehappens.org if you don't believe me) and this year, I want to tell you a true story to illustrate the importance of life insurance. Last year, when my daughter was in nursery school, I had to talk to my four-year-old about death. You would think that a career of helping protect people against life's catastrophes would have prepared me for that talk. After all, I routinely talk to families about what might happen....
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Oct
27
Confronting a Parent's Fear
I have sold hundreds of life insurance policies. Some have been policies for young children whose parents are looking to protect their child's insurability. Some have been for retirees looking to make sure that they have a legacy to provide to their grown children. Most have been to parents with young children who realize, either theoretically or from personal experience, the tremendous hardship that their premature death would cause for those who depend on them most. I know that fear firsthand. As a parent to my two beautiful children, I have two big concerns. The first is one that all parents must to learn to live with--the fear that something terrible could happen to them. That, sadly, is a fear we must all learn to live with. The...
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May
02
May Commentary: You Need a Will
It was just about two weeks ago when the world learned that Prince, one of the most beloved and creative artists of our time, had died at his Chanhassen, Minnesota home. For his legions of fans, myself included, his legacy will not be about his death, but rather his unique ability to make all of us see the world differently through the colorful lens of his music. Sadly, his legacy might become muddier for his closest loved ones, as it has now been reported that Prince died, like so many others, without a last will and testament. Over the course of my years in practice, I have seen my fair share of families torn apart because the deceased didn't take the steps necessary to ensure that their wishes were carried out. While each situation...
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Nov
02
The Value of (Employer Subsidized) Health Insurance
I am going to tell you a story. A story about my own personal experience with open market health insurance, as it relates to my son, who was born on July 20, 2015. My goal here is not to bemoan how much my wife's pregnancy cost us, nor to make a comment on the validity of Obamacare, but rather to emphasize the value of employer-paid health insurance as part of an overall compensation package. Like most of the country, I had employer subsidized health insurance for the much of my professional life. And, like most of the country, I didn't pay that much attention to the benefits, and the real costs associated with what I was being offered. I focused only on cost to me, and the out of pocket costs I would have to bear. As a young family, we...
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Sep
25
Happy Life Insurance Awareness Month
Every September, Life Happens, a non-profit organization whose mission is to inspire the public to take personal financial responsibility through the ownership of life insurance and related products, hosts Life Insurance Awareness Month, its annual opportunity to promote the important role that life insurance plays in the life of a family. As a staunch believer in the need for life insurance as part of an overall financial plan, it seemed like a good time to share a story about how life insurance impacted the life of someone I know. A former colleague of mine, Paul, seemed to be living the perfect life. He was married, had three beautiful children, and recently received a promotion that was going to provide some much needed financial...
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Jun
15
The Financial Impact of Maternity Leave
In the news this week was an article about a ground-breaking new benefit offered to employees of Virgin Management in London and Geneva. Employees who have been with the company for two years or more may take up to one year (yes, you read that right), of family leave when becoming a new parent (fathers and adoptive parents included) to get to know their new child. As if this wasn't good enough, there is more. Not only are they entitled to a year of family leave, but they will be paid 100% of their base salary during that time. I know...I fell out of my chair too. When asked about it, Richard Branson, Virgin's founder, said "As a father and now a granddad to three wonderful grandchildren, I know how magical the first year of a child's life...
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 Securities offered through American Portfolios Financial Services, Inc. Member FINRA/SIPC (FINRA/SIPC). American Portfolios Financial Services, Inc. and American Portfolios Advisors, Inc. are not affiliated with any other named business entities mentioned.

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